Payday Loans and Cash Advance in Wisconsin: Get Offers Online
Wisconsin · online request
Cash for unexpected bills: request $100 to $5,000 online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
How much do you need?
Estimated fee—
Total to repay—
Estimate uses a typical fee of $15 per $100 for a two-week loan (CFPB example). Actual fees depend on the lender. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offersFree to request · No obligation · Takes a few minutes
- Wisconsin lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Wisconsin, requested online
Wisconsin residents can request $100 to $1,500 online from any of the 753 Wisconsin cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
What Wisconsin law says
- Maximum loan amount: $1,500.
- Fee limit: No cap on fees or interest during the loan term; after the due date, interest is capped at 2.75% per month.
- Maximum loan term: 90 days.
- Income limit: total owed on all payday loans cannot exceed the lesser of $1,500 or 35% of gross monthly income.
- Renewals: A payday loan can be paid off with the proceeds of another payday loan only once.
- Waiting period: A new loan cannot be made during the 24-hour cooling-off period after a payday loan is repaid.
- Payment plan: If you cannot repay at the due date, the lender must offer 4 equal installments on your pay dates (one offer per 12 months).
- Loan limits: No statewide database; each lender keeps its own records and you sign a statement that you have no other open payday loans.
- Lenders must hold a license from the Wisconsin Department of Financial Institutions (DFI), Division of Banking and disclose fees and APR before you sign.
Good to know
- You may not borrow more than $1,500 or 35% of your gross monthly income, whichever is less.
- A payday loan has a term of 90 days or less; Wisconsin sets no maximum fee during that term.
- The average APR on Wisconsin payday loans in 2025 was 599.51%.
- You can cancel a payday loan by returning the money by the end of the next business day, with no fee.
- If you repay early you are entitled to a partial refund of the finance charge.
- A lender may charge a $15 fee for a dishonored check or denied electronic payment, but cannot garnish wages.
- If a lender breaks the payday law you can sue for $250 or the loan amount (whichever is greater) plus attorney fees.
Problem with a lender? Contact the Wisconsin Department of Financial Institutions (DFI), Division of Banking at 608-261-7578 · file a complaint online, or the CFPB. Active-duty service members and their dependents are covered by the Military Lending Act 36% rate cap.
Why request online
One form, several providersFill in your details once instead of applying lender by lender.
All credit types can applyProviders look at income and banking history, not only your credit score. Lenders may still check your credit.
No hidden costsLenders must show the fee, interest and APR before you sign. You can say no.
Direct depositIf you accept an offer, funds go straight to your checking account, often by the next business day.
Installment loans in Wisconsin
Need more than $1,500 or more time to repay? Wisconsin also allows consumer loans from licensed lenders, repaid in fixed monthly payments. No maximum interest rate. A state loan company license is required to charge more than 18% a year on a consumer loan.
Payday loan$300 → repay $345One payment in about two weeks, with a fee of about $45.
Installment loan$1,500 → $150.69 a month12 monthly payments at 36% APR as an example; $308.32 interest in total.
Larger amountsRequests up to $35,000Lenders that offer larger personal loans in Wisconsin review these requests; approval, amount and rate vary.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Loan company license (Wis. Stat. 138.09), Wisconsin DFI, Division of Banking.
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
1RequestFill in a short form with your Wisconsin address, income and checking account.
2Review your offerSee the amount, fee, APR and due date. Compare the total you repay.
3Get your moneyAccept and e-sign. Funding time depends on the provider and your bank.
You will need:Age 18+Government IDRegular incomeActive checking accountPhone and email
Payday Loan Rules in Wisconsin
Allowed – high-cost payday
| Maximum amount | No single principal cap; aggregate liability ≤$1,500 or 35% of gross monthly income, whichever is less |
|---|---|
| Loan term | 90 days or less |
| Rate / fee rule | No pre-maturity interest cap; after maturity ≤2.75% per month |
| Regulatory basis | Wis. Stat. §138.14 |
Key Rules
- Database/aggregate liability limits apply
- no database fee may be charged to consumer
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Wisconsin cities
Questions people ask
Can I get a loan in Wisconsin with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Wisconsin?
Yes. Lenders are licensed by the Wisconsin Department of Financial Institutions (DFI), Division of Banking under Wis. Stat. s. 138.14 (payday loans); Wis. Admin. Code ch. DFI-Bkg 75.
What is the maximum payday loan in Wisconsin?
$1,500. The lender decides your amount based on income.
How much does a payday loan cost in Wisconsin?
Fee limit in Wisconsin: no cap on fees or interest during the loan term; after the due date, interest is capped at 2.75% per month. At $15 per $100, a $300 two-week loan costs $45, about 391% APR.
Where can I complain about a lender in Wisconsin?
Contact the Wisconsin Department of Financial Institutions (DFI), Division of Banking at 608-261-7578 or the CFPB at consumerfinance.gov/complaint.
Ready to see your options in Wisconsin?
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
Payday loans near me in Wisconsin: find your city
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